nonowned

Nonowned is an adjective used to describe property, assets, or persons not owned by a specified individual or entity. In legal and risk-management contexts, nonowned items can create exposure that must be addressed even when the item or asset belongs to someone else.

In insurance, non-owned auto liability coverage provides liability protection when a vehicle not owned by the insured is used, such as rental cars or borrowed vehicles. The coverage typically sits alongside a standard auto policy and may have limits and exclusions, including restrictions related to vehicles owned by family members or used for commercial purposes.

In aviation and transportation, non-owned aircraft refers to aircraft that are not owned by the operator, such as chartered planes or borrowed aircraft. Non-owned aircraft liability coverage protects against third-party bodily injury and property damage arising from the operation, and may complement owned-aircraft coverage.

In property contexts, non-owned property in the custody of a business—such as customer-supplied goods or consignments—creates liability and care-of-d custody considerations, with policies often defining responsibilities for loss or damage.

In licensing and content contexts, non-owned materials refer to items not owned by the user but used under a license, with terms of use governing reproduction and distribution.

Overall, nonowned serves as a general descriptor indicating that ownership lies elsewhere, and it is used across various domains to delineate risk, coverage, or responsibility for items not owned by the party involved.